Hi folks, and welcome to the Meaningful Money Podcast, this is session number 460.

Hello, hello, welcome back, great to have you with me once again, and today I'm chatting

for the second time to a guy called Phil Billingham.

I chatted with Phil back in season 9 episode 4, specifically then about financial planning

for ex-pats.

But Phil approached me recently with an interesting idea for a conversation, and that is what you're

about to hear.

So remember, as we go through it, notes and links from the show, they're at the show notes,

which is the only link you need to remember, meaningfulmoney.tv slash session 460, that's

meaningfulmoney.tv slash session 460, here's my conversation with Phil Billingham.

Well, it's a joy, as always, to welcome back repeat guests, Phil Billingham to the podcast

Phil.

How are you doing, bud?

I'm brilliant.

I'm pretty good.

Thank you very much.

Brilliant.

That's excellent.

You're looking well?

Yeah, a little bit too well.

You know the drill.

He says.

...